Honda Pilot insurance costs average $79 per month for minimum coverage and $152 monthly for full coverage. But depending on your particular trim and model year, costs can range from $47 to $213 monthly for Honda Pilot coverage.
Honda Pilot Insurance Cost
Updated: September 24, 2025
Key Takeaways
Honda Pilot insurance costs range from $89 to $213 monthly, with rates varying based on trim level and model year.
The Honda Pilot ranks 190th for insurance affordability among 827 vehicle models sold in the US from 2000-2025.
GEICO offers the most affordable Honda Pilot insurance at $115 monthly for full coverage and $53 for minimum coverage policies.
How Much Is Honda Pilot Insurance?
| Honda Pilot | $79 | $152 |
Honda Pilot Insurance Cost by Model Year
Your Honda Pilot's model year and available trims directly impact your insurance rates. Newer models cost more to insure because of their higher market value. Monthly premiums for Honda Pilots range from $57 for older models to $188 for the newest versions.
| 2025 | $97 | $188 |
| 2024 | $89 | $174 |
| 2023 | $79 | $153 |
| 2022 | $68 | $132 |
| 2021 | $57 | $110 |
| 2020 | $90 | $175 |
| 2019 | $83 | $161 |
| 2018 | $84 | $162 |
| 2017 | $82 | $158 |
| 2016 | $82 | $158 |
| 2015 | $81 | $157 |
| 2014 | $81 | $157 |
| 2013 | $74 | $142 |
| 2012 | $82 | $157 |
| 2011 | $74 | $143 |
| 2010 | $76 | $146 |
| 2009 | $73 | $141 |
| 2008 | $72 | $138 |
| 2007 | $85 | $162 |
| 2006 | $79 | $152 |
| 2005 | $72 | $138 |
| 2004 | $71 | $136 |
| 2003 | $66 | $127 |
Honda Pilot Insurance Cost by Trim
Your Honda Pilot's trim affects insurance costs based on features, market value and replacement expenses. Monthly rates vary widely across trim levels, ranging from $63 for basic configurations to $213 for premium trims like the Black Edition.
| Special Edition Sport Utility 4d | $63 | $122 |
| Vp Sport Utility 4d | $67 | $129 |
| Sport Suv 4d | $67 | $130 |
| Lx Sport Utility 4d | $73 | $141 |
| Lx | $75 | $146 |
| Trailsport Suv 4d | $76 | $148 |
| Ex Sport Utility 4d | $77 | $148 |
| Black Edition Sport Utility 4d | $77 | $149 |
| Ex-L Sport Utility 4d | $78 | $150 |
| Touring Sport Utility 4d | $78 | $151 |
| Se Sport Utility 4d | $78 | $150 |
| Sport | $81 | $157 |
| Elite Sport Utility 4d | $82 | $159 |
| Ex-L W/Navigation Sport Utility 4d | $83 | $160 |
| Ex W/Honda Sensing Sport Utility 4d | $83 | $160 |
| Ex-L W/Res Sport Utility 4d | $84 | $163 |
| Ex-L | $87 | $169 |
| Ex-L W/Navi & Res Sport Utility 4d | $87 | $168 |
| Ex-L W/Honda Sensing Sport Utility 4d | $90 | $173 |
| Touring | $94 | $184 |
| Trailsport | $98 | $191 |
| Elite | $106 | $206 |
| Black Edition | $109 | $213 |
Compare Personalized Honda Pilot Insurance Costs
We broke down Honda Pilot insurance costs by model year and trim for accurate estimates.
Data filtered by:
2004
Ex-L Sport Utility 4d
| Ex-L Sport Utility 4d | $77 | $147 |
Honda Pilot Insurance Cost by Company
Honda Pilot insurance costs vary by provider from $84 to $192 monthly. Minimum coverage ranges from $53 to $136, while full coverage costs $115 to $272. Rates vary due to different risk assessment models.
| AAA | $89 | $183 |
| AIG | $111 | $272 |
| Allstate | $102 | $197 |
| Amica | $98 | $201 |
| Chubb | $103 | $203 |
| Farmers | $117 | $205 |
| GEICO | $53 | $115 |
| Kemper | $80 | $161 |
| Nationwide | $85 | $147 |
| Progressive | $79 | $146 |
| State Farm | $74 | $154 |
| The Hartford | $86 | $147 |
| Travelers | $68 | $126 |
| UAIC | $136 | $170 |
Honda Pilot Insurance Cost by State
Honda Pilot insurance costs vary by location, ranging from $29 monthly in Wyoming to $332 in Louisiana.
| Alabama | $65 | $122 |
| Alaska | $56 | $118 |
| Arizona | $92 | $173 |
| Arkansas | $63 | $141 |
| California | $74 | $150 |
| Colorado | $74 | $178 |
| Connecticut | $109 | $187 |
| Delaware | $110 | $186 |
| Florida | $101 | $233 |
| Georgia | $116 | $190 |
| Hawaii | $41 | $92 |
| Idaho | $42 | $86 |
| Illinois | $72 | $134 |
| Indiana | $50 | $99 |
| Iowa | $43 | $104 |
| Kansas | $56 | $131 |
| Kentucky | $97 | $165 |
| Louisiana | $156 | $332 |
| Maine | $41 | $84 |
| Maryland | $121 | $204 |
| Massachusetts | $79 | $168 |
| Michigan | $122 | $234 |
| Minnesota | $64 | $133 |
| Mississippi | $68 | $134 |
| Missouri | $92 | $182 |
| Montana | $54 | $129 |
| Nebraska | $57 | $131 |
| Nevada | $139 | $252 |
| New Hampshire | $54 | $96 |
| New Jersey | $129 | $213 |
| New Mexico | $64 | $142 |
| New York | $95 | $171 |
| North Carolina | $64 | $125 |
| North Dakota | $47 | $103 |
| Ohio | $58 | $113 |
| Oklahoma | $72 | $159 |
| Oregon | $96 | $168 |
| Pennsylvania | $67 | $156 |
| Rhode Island | $97 | $174 |
| South Carolina | $79 | $148 |
| South Dakota | $41 | $124 |
| Tennessee | $60 | $122 |
| Texas | $99 | $204 |
| Utah | $84 | $143 |
| Vermont | $35 | $84 |
| Virginia | $74 | $121 |
| Washington | $71 | $132 |
| West Virginia | $67 | $137 |
| Wisconsin | $50 | $109 |
| Wyoming | $29 | $89 |
Honda Pilot Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, affects Honda Pilot insurance pricing extensively. Monthly premiums can reach $293 for young drivers under 25 without violations and drop to just $116 for adult drivers between 26-64 with clean records.
| Adult Drivers | $79 | $152 |
| Young Drivers | $201 | $385 |
| Senior Drivers | $105 | $193 |
| Drivers With a Speeding Ticket | $98 | $192 |
| Drivers With an Accident | $116 | $223 |
| Drivers With a DUI | $145 | $278 |
| Drivers With Bad Credit | $188 | $377 |
Is a Honda Pilot Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Honda Pilot ranks 190th out of 827, making it one of the more affordable cars to insure. Among midsize SUV, the model is a more affordable option compared to similar vehicles.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Honda Car Insurance Costs
Several things affect what you'll pay for Honda Pilot insurance coverage:
- Age (50 year median): Middle-aged drivers receive better rates than younger buyers.
- Gender (62% male): Male ownership correlates with family SUV usage patterns and responsible driving profiles.
- Income ($85,000 average): Above-average income reduces premiums through better credit scores, though Honda appeals to diverse income brackets.
Average Repair or Replacement Costs
Honda ranks third in repair affordability among 59 U.S. automakers with median annual costs of $542. Honda Pilot repair costs average $813 annually, making it one of the more expensive Honda models to repair.
Vehicle Trim, Features and Accessories
The Honda Pilot's consistent 285 horsepower 3.5L V6 across six trim levels (LX through Elite) creates predictable insurance costs. Higher trims like TrailSport with off-road features and Elite with premium amenities (Bose audio, leather seating) cost more to insure due to advanced technology and higher replacement values.
Fuel Type
Honda Pilots run on regular gasoline with Variable Cylinder Management technology for efficiency. Fuel economy ranges from 18 MPG (TrailSport AWD) to 27 MPG highway (2WD models). Unlike electric or hybrid vehicles requiring specialized technicians, gas-powered Pilots can be serviced at most repair shops, keeping costs predictable.
Location
Honda Pilot owners are concentrated in suburban family areas where regional rates vary based on state regulations, weather risks, and crime statistics.
Honda's extensive dealer network across all 50 states ensures consistent parts availability and repair costs, though urban areas with higher theft rates see elevated premiums.
Driver Profile
Most Honda Pilot drivers are mature adults with average age of 50 and household incomes around $85,000. Honda owners span diverse income levels from under $25,000 to over $200,000 annually.
Driver demographics affect Honda Pilot rates:
Cheapest Honda Pilot Insurance Companies
GEICO offers the most affordable Pilot insurance with monthly full coverage premiums averaging $115. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Pilots at $53 monthly.
| GEICO | $53 | $115 |
| Travelers | $68 | $126 |
| Progressive | $79 | $146 |
| State Farm | $74 | $154 |
| Nationwide | $85 | $147 |
Cheapest Honda Pilot Insurance by State
We found that the following are the top three most affordable car insurance providers for Honda Pilot drivers:
- GEICO: Offers the cheapest rates in 19 states
- Travelers: Provides the most affordable coverage in eight states
- State Farm: Wins for affordability in five states
You can filter to find which provider offers the most affordable auto insurance rates for your Honda Pilot in your specific area.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $35 |
How to Get the Best Cheap Honda Pilot Insurance
Here's how to secure the best Honda Pilot car insurance rates and discounts:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Honda's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your Honda Pilot will let you know how much you're saving currently and with another provider. Then it can be easier to look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Honda Pilot, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will help you get the cheapest rate possible. The five discounts below are the most likely we found that Honda Pilot owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Honda Pilot buyers' family-focused demographics (average age 50 to 52, with children) mean established households with multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With above-average household incomes ($131,250 median) and family-oriented lifestyles, Honda Pilot owners frequently own homes and can bundle auto and home insurance for substantial savings from major carriers.
- Good Student Discount (10% to 25% savings): Pilot owners' family demographics often include school-age children who may qualify for good student discounts with solid academic records, reducing family insurance costs.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Honda Sensing comes standard on all Pilot models, and its built-in features, like automatic emergency braking and blind spot monitoring, help you avoid crashes. Many insurance companies will offer discounts for these advanced safety systems.
- Good Driver/Safe Driver Discount (5% to 30% savings): Honda Pilot owners' mature age profile (average 50 to 52 years) and family-focused lifestyle correlate with responsible driving habits that qualify for good driver discounts.
- 5Consider alternative car insurance types
Honda Pilot owners should consider Honda Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Honda Pilot insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Honda Pilot Insurance Cost: Bottom Line
Insuring a Honda Pilot costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Honda Pilot Insurance Rates: FAQ
Here are answers to common questions about insuring a Honda Pilot.
What is the average cost of car insurance for a Honda Pilot?
The Honda Pilot's average annual insurance cost is $946 for minimum coverage and $1,829 for full coverage.
What company has the cheapest car insurance for a Honda Pilot?
GEICO offers the most affordable Pilot insurance with monthly full coverage premiums averaging $115. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Pilots at $53 monthly.
Are Honda Pilots expensive to insure?
No, Honda Pilot insurance costs less than most cars. Out of 827 vehicles we track, the Pilot ranks 190th for affordability. Among SUVs, this model is also a more affordable option than most.
What factors affect insurance costs for Honda Pilots?
Several things drive up your Honda Pilot rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks will cost more to insure.
How can I lower Honda Pilot insurance costs?
Shop around with multiple insurers as rates vary for Hondas, and consider usage-based insurance programs that track your driving habits. Take advantage of Honda's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Honda Pilot Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Honda Pilot insurance costs.
Who We Based These Rates On
These Honda Pilot prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.